Does USAA Offer Boat Insurance?

USAA, or United Services Automobile Association, is a well-known insurance company that provides coverage for cars, homes, and other property. Many people who are eligible for USAA insurance wonder – does the company also offer policies to protect boats?

USAA Offer Boat Insurance

The simple answer is yes, USAA does provide boat insurance options for their members. However, there are a few important details to know:

  • – While USAA handles policies for most other types of property like homes and vehicles, they do not directly underwrite boat insurance themselves.
  • – For boat coverage, USAA has partnered with Progressive Insurance. So the actual insurance policy and claims would be managed through Progressive.
  • – Members looking for boat insurance through USAA would apply for a quote as normal on the USAA website. But behind the scenes, it sets them up with a Progressive policy.
  • – The rates and coverage would be very similar to getting boat insurance directly from Progressive. But members enjoy being able to manage it through their USAA online account.
  • – Boat policies offer protection against things like damage from accidents, storms, fires, and theft. Liability coverage is also included in case of injuries to others.
  • – Coverage options are available for most types of recreational boats including motorboats, sailboats, personal watercraft, and yachts.
  • – Both existing USAA members and eligible non-members can apply for quotes. Rates vary depending on boat type, location, usage, and the applicant’s insurance history.

So in summary – yes, USAA partners with Progressive to provide boat insurance solutions to their members. The policy is underwritten by Progressive but managed through USAA accounts. Members report competitive rates and quality claims service. It’s a convenient one-stop shop for insuring both boats and other property.


What types of boats does USAA boat insurance cover?

USAA boat insurance provides coverage for a wide variety of watercraft including powerboats, sailboats, fishing boats, personal watercraft, cabin cruisers, and yachts. Coverage is available for most recreational boats.

How are premiums determined?

Premiums are determined based on factors like the type, size, age and value of your boat, your boating experience, where the boat is kept, and your insurance history. Choosing a higher deductible can lower your premium. Safety courses and multi-policy discounts may also reduce costs.

What is covered under liability protection?

Liability coverage insures against costs if you are at fault for damages or injuries in a boating accident. This includes property damage to docks or other watercraft, medical payments for those injured, and legal defense costs if someone files a lawsuit.

Can accessories and personal items be covered?

Yes, additional coverage options are available to insure boat accessories, electronics, motors, trailers, and personal belongings kept onboard against risks like theft and damage.

What is the claims process?

To file a claim, contact USAA as soon as possible to report details. Submit photos of damage and estimates for repairs. Claims are typically handled promptly with checks issued to pay for covered costs.

Are discounts available?

Discounts may include multi-policy, claims-free, safety course completion, and multi-year policyholder discounts. Additional discounts vary by year.

What is an agreed value policy?

An agreed value policy sets the reimbursement amount for a total loss at an agreed value you determine, rather than actual or depreciated cash value. This provides clarity and assurance about the boat’s worth in the event of a catastrophic loss.


USAA boat insurance provides a reliable and comprehensive option for insuring your watercraft. While the policies are actually underwritten by Progressive, USAA policyholders enjoy managing their coverage through the USAA portal. Customers report competitive rates and excellent customer service. From liability protection to agreed value policies, coverage options are tailored to different types of vessels. The claims process is streamlined for ease of use. Discounts and additional perks like towing reimbursement add value. Overall, USAA boat insurance offers boat owners quality coverage and a trusted partner for their marine insurance needs.

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